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HAVE A QUESTION?
General Information Rewards Activation and Use Account Access What is ATIRAcredit? Your credit union has partnered with ATIRAcreditSM to provide you with a Platinum Rewards MasterCard. Your relationship with your credit union is unchanged and you are still able to make payments at your branch. In addition, ATIRAcredit also gives you added credit card benefits such as 24/7 customer service, online account information, and a generous rewards program without any annual fees. What are the benefits of having a Platinum card? Your platinum card gives you the prestige of having a top tier card with a generous rewards program. It also combines great benefits at no additional cost such as Zero Liability fraud protection and a $250,000 travel insurance policy that is automatically added when you use your ATIRAcredit Platinum MasterCard. How do I transfer another credit card balance to my ATIRAcredit card? Your ATIRAcredit card allows you to consolidate all of your credit card bills onto one low interest card. You may transfer a balance by calling member service; be sure to have the billing information on the card that you wish to transfer the balance from, as well as your ATIRAcredit card number. What is APR and how do I find my APR information? APR is annual percentage rate, this is the amount of interest that is billed to your account for the convenience of utilizing your credit line. There is at least a 20-day grace period during which no interest will be charged on that month’s merchandise purchases. Please note that cash advances do not have a grace period. Your APR is variable, tied to The Wall Street Journal Prime Rate. To view your current APR please sign into My Account. Please review your card agreement and welcome letter for complete APR details. What is my line of credit? This amount is listed in the upper right-hand corner of the document sent with your card. Additionally, your line of credit is listed on each of your statements. You may also sign into My Account to view your credit line and the balance remaining for purchases and cash advances. What is a minimum monthly payment? This amount is the monthly minimum you must pay to keep your account in good standing. This minimum amount is clearly stated on each statement and is equal to 2% of the new balance but at least $40. If the new balance is less than $40, then the minimum payment would be equal to the new balance. What is the difference between a joint account holder and an authorized user? A joint account holder is someone who is also responsible for the account, their credit score is considered when creating the account and the existence of the account is noted on their credit bureau. An authorized user has the ability to charge on the account but is not allowed to make any changes to the account such as request for a credit limit increase or change of address. An authorized users' credit score does not reflect on the account, nor does the account impact the authorized users' score either negatively or positively. Who do I talk to if I need help understanding my credit card statement? If you have questions regarding your statement or if you feel there is an error please contact member service. I have a dispute on my credit card statement, what do I do? If you do not recognize a charge or feel you were billed an incorrect amount, please follow these three steps. First, double-check your receipts and check with other authorized users of your card. Second, contact the merchant where the purchase originated. Finally, if you are unable to resolve your dispute with the merchant, please contact member service for assistance. How does ATIRAcredit keep my personal information safe? Your account safety is our primary concern. Please refer to our privacy pledge and security page for specific policies and information. I am traveling internationally, can I use my ATIRAcredit card? Your card will work in most countries. Due to fraud trends, we may restrict transactions in certain countries. As a fraud protection measure, we do strongly recommend that you call our member service number prior to your departure. When traveling internationally please use the direct dial number of 00-1-515-457-5568. The toll free number will not work outside the United States. Can I add an additional user to my ATIRAcredit account? Yes, please call member service. They will quickly gather the necessary information from you and send out the second card, there is no fee for adding a secondary user. I have heard about the CARD Act of 2009, where can I find more details? Please click here for a comprehensive guide to the CARD Act of 2009 that includes a section-by-section review and effective dates. What rewards do you offer? ATIRAcredit offers a full and generous rewards program. You may choose from cash, merchandise or travel rewards, just to name a few. How do I redeem my rewards? Please sign into My Account for full details. How do I activate my account? When you receive your card, please call our special activation hotline at 888-691-8661 from your home phone. Once your card is activated, don’t forget to register at My Account for full online access. My card has been lost/stolen, what should I do? Please call (888) 4-ATIRA-1 (888-428-4721) immediately to report your lost card. Our member service team will disable the card limiting unauthorized spending. To better assist us in servicing your account, please let us know where and when your card was lost/stolen and the last authorized transaction on the card. How do I make a cash advance? There are two convenient ways to get cash from your ATIRAcredit card. You may visit your credit union branch or call (888) 4-ATIRA-1 to request a PIN to make withdrawals from any ATM. What is MasterCard SecureCode and how do I register? MasterCard SecureCode is another layer of security MasterCard offers its members for online purchases. Please visit MasterCard’s website to register and for more information. How can I get my credit limit increased? ATIRAcredit proactively adjusts your credit limit in response to your credit score. Maintaining a high credit score will earn you a higher line of credit. In the event you need a credit limit increase, please call member service to request the additional amount. I received notification in the mail my existing credit card is changing to ATIRAcredit, what does this mean? What do I need to do? Please click here for full details. How can I pay my credit card bill? You can mail your payment to the payment address, sign into My Account to make an electronic payment, drop it off at your local credit union branch, or add autopay for your convenience. I forgot my account password or user name, how do I get a new one? In the event you are unable to log into your account online please re-enroll your card by through My Account. How do I make a cash advance? There are two convenient ways to get cash from your ATIRAcredit card. You may visit your credit union branch or call to request a PIN to make withdrawals from any ATM. How do I get a personal identification number (PIN)? As a security measure to protect you, personal identification numbers (PINs) are not created unless they are requested. To request or to change your PIN, please call member service. |
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Home | Privacy | Security © Copyright 2012, TMG Financial Services, Inc. ATIRA® is a registered service mark and ATIRAcreditSM is a service mark of The Members Group, Inc. |
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